When a debtor fails to pay on their account in a timely fashion, and fails to respond to written or verbal inquiries about their intent to pay a debt, the creditor can petition the courts for a wage garnishment.
This means that a certain amount of each paycheck will go towards paying that debt before the debtor receives their paycheck, stopping once the debt is paid in full. The amount of the paycheck that can legally go towards paying off the garnishment will vary depending on the state where the debtor resides.
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